Click here for our full-length guide to Missouri car insurance quotes, discounts, and state requirements.
Home to the largest university in the state, Columbia, Missouri has earned its nickname of College Town, U.S.A. Situated in the center of the state, COMO is home to numerous cultural and academic institutions. As the main mode of transportation for nearly 121,000 Columbia residents, car travel is a big part of life. Finding the right car insurance policy for you and your lifestyle is an important step towards safe driving in Columbia. Compare and save on the best and cheapest car insurance quotes in Missouri here.
Cheapest Car Insurance Quotes in Columbia, MO
Here are the cheapest insurance companies in Columbia based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Clean driving records may amount to “good driver discounts,” resulting in lower overall insurance costs.
USAA often offers the lowest car insurance rates to Missouri drivers, but it is only available to active-duty members of the military, veterans, and their immediate families.
Best Car Insurance Companies in Columbia, MO
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top-rated companies that offer car insurance in Columbia. For the complete list, see Insurify’s best car insurance companies.
Compare Average Premiums
Insurance rates vary greatly from town to town. Columbia has higher monthly premiums compared to state and national averages. Keep the savings rolling and compare policies on Insurify today.
|Columbia Average Premium||Missouri Average Premium||National Average Premium|
Columbia Auto Insurance Requirements
Before operating on Missouri roadways, Missouri drivers must ensure their motor vehicle holds sufficient liability insurance.
Liability coverage is a safety necessity.
In Missouri, state minimum coverage limits for liability car insurance are as follows:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $10,000 property damage liability per accident
Driving records, prior car accidents, prior moving violations, speeding tickets, commute length, and other demographic factors may cause fluctuation to your Columbia auto insurance rates.
Comprehensive and collision coverage are supplemental options offered by insurance providers to protect your vehicle and passengers from “Acts of God,” vandalism, and other uncontrollable circumstances.
For a free quote, compare auto insurance companies on Insurify.
Columbia DMV Information
There is one major DMV outpost in and around the city of Columbia. The main License Bureau office is located on Vandiver Drive in the Department of Revenue office. Here, residents can change their address, obtain a driver’s license, and complete vehicle registrations. The DMV is open from 7:30 AM to 5 PM with special morning and evening hours on weekdays. You may be able to skip the lines and access what you need via its online portal.
Public Transit in Columbia
The Columbia Transit Authority offers residents and visitors convenient and affordable services in and around the city. The STA operates 36 bus routes around 248 square miles. Ridesharing services like Uber, Lyft, and traditional taxis operate across the city.
Conclusion: How to get the best and cheapest car insurance in Columbia
Missourians are busy people—there’s no need to waste time finding the perfect auto insurance policy.
Protect yourself from uninsured motorists and use Insurify to find the best rates available by comparing dozens of insurance quotes in just a few seconds.
With an estimated 14 percent of Missouri vehicles driving uninsured, risking a car accident without sufficient coverage could be incredibly damaging, financially and otherwise. Be sure to stay up to date with liability insurance requirements, and research your coverage options and different insurance agencies.
Use Insurify to find free quotes and get the best insurance coverage and rates for your car at a price that works for you. For all your insurance needs, Insurify’s got you covered.
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